Want To Keep Your Privacy? "No Med Exam" Life Insurance Now Available

Main Category: Health Insurance / Medical Insurance
Article Date: 11 Jul 2008 - 0:00 PDT

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Now available is a term life insurance policy from 420lifeinsurance.com that allows individuals to get a quality plan while keeping their privacy. A lot of Americans are without life insurance because of fears dealing with their existing health conditions that typically raise rates. The data collected from blood and urine test results are also recorded on the individual's permanent record -- further increasing the unwillingness of individuals to even apply for a plan.

As an alternative, previous medical records can be used to get individuals on the road to a policy. With 420lifeinsurance.com there are only seven questions to answer before being qualified -- no bodily fluids necessary; this may cause a sigh of relief for those who are just too embarrassed to reveal their bad habits -- such as smoking pot -- or high cholesterol. Answering no to all of the questions can result in instant approval and immediate coverage.

420LifeInsurance.com is aware of the fears individuals have and are reaching out to those who may be eligible for life insurance. Bob Lutz, the advisor and public face for the site explains.

"People are more concerned about their privacy, and know that information from a life insurance paramed exam can end up on their permanent record. Now they have the option of quickly getting life insurance coverage without having to submit to invasive blood or urine tests."

As long as the previous medical records of the individual are satisfactory, and the applicant is not aware of any current undisclosed medical issues, the application should be approved instantly.

"If you have a good medical history, then in my opinion what you do in your own time is your business, not the insurance company's," says Bob Lutz. "I have a client who had a paramed exam come up positive for marijuana use, even though he doesn't smoke pot. Not only was he declined for coverage, but he's been trying for 6 months to get this removed from his record, and still hasn't been able to do so."

Life insurance policies range between $50,000 and $500,000. Terms can be chosen for 10, 15, 20 or 30 years -- the most popular being 20 years. Run an instant quote on our site to find the best smokers term life insurances rate to fit your needs.

By choosing a life insurance plan that does not require a medical exam, people can avoid the risks associated with submitting to a paramed exam, and get their life insurance in force much more quickly.

420Lifeinsurance is an independent broker offering instant online quotes and applications. More information can be found at http://www.420lifeinsurance.com, or by calling (866) 429-5991.

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